LINES OF BUSINESS
Long Term Care Insurance has been an ever-evolving market place and Bay River Insurance has continued to evolve with the market by offering both traditional LTC plans as well as hybrid plans – included Life, Asset, and Annuity based products.
Pure long-term care protection is still important and the most cost-effective way to provide your clients with LTC coverage and allows for the most flexibility and riders.
Today’s most popular LTC option allows clients to add LTC riders to their Universal Life or Whole Life policies providing a great solution.
ASSET BASED LTC
Primarily paid using a single premium Asset based LTC options provide clients with a great way to leverage their money for LTC while providing ROP and Inflation Protection options.
Chronic Illness riders built into Term or Perm Living Benefits contracts can be a very cost effective way to provide your clients with a form of LTC coverage.
Today’s Long-Term Care market provides clients with more options then ever. We specialize finding which products in the market are best – whether that is a Stand-Alone LTC contract or one of our many Hybrid Contracts we can help you navigate the LTC landscape and provide you clients with the best LTC solutions